Senior Commercial Underwriter Job at MRISpokane, Atlanta, GA

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  • MRISpokane
  • Atlanta, GA

Job Description

Job Title: VP Senior Credit Underwriter
We are a full-service community bank looking for an experienced VP Senior Credit Underwriter to join our team in the Duluth area.

What We Offer:

  • Competitive salary and benefits

  • Health, dental, and life insurance

  • 401(k) with employer match

  • Paid time off (PTO)

Qualifications:

  • Bachelor’s degree or higher

  • At least 10 years of experience in credit underwriting

  • Knowledge of lending operations and closing procedures

  • Proficiency in Microsoft Office Suite

  • Ability to work in a fast-paced environment

  • Experience in commercial underwriting (not mortgage)

Responsibilities:

Underwriting & Loan Evaluation:
  • Work with Loan Officers and clients to review new and renewal loan applications.

  • Collect and analyze financial documents for credit approval.

  • Conduct initial credit assessments or escalate complex cases as needed.

  • Prepare credit reports with financial analysis and recommendations.

  • Ensure all documentation meets compliance and internal policies.

Loan Structuring & Credit Analysis:
  • Assess loan details, including:

    • Amortization schedules

    • Loan-to-value ratios

    • Interest rates and fees

  • Analyze financial statements, tax returns, and cash flow projections.

  • Identify discrepancies in financial data and address concerns.

  • Research industry trends and compare borrower performance to peers.

  • Evaluate business history, management experience, and guarantor support.

Additional Duties:
  • Assist loan closers in gathering required documentation.

  • Keep accurate records and follow proper filing procedures.

  • Mentor new hires and support training efforts.

  • Stay updated on banking regulations and complete required training.

  • Attend meetings and contribute to process improvements.

  • Perform other duties as assigned by management.

Work Schedule:

  • In-office position

Job Tags

Permanent employment,

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